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  • CASHLESS GARAGES 7600+
  • CLAIMS SETTLED 99%
  • ZERO DEP. CLAIMS UNLIMITED
Key Features:
  • Right Green Tick Zero Depreciation till 7 years
  • Right Green Tick 6-Month Repair Warranty
  • Right Green Tick Free Pick-Up and Drop
  • Right Green Tick Quick Claim Settlement

Top Royal Sundaram Car Insurance Plans

PLAN TYPE: Comprehensive
Starting From ₹ 3151
PLAN TYPE: Third Party
Starting From ₹ 2094
PLAN TYPE: Own Damage
Starting From ₹ 2045

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  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai

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Disclaimer: Actual Premium might vary basis your location, age and number of members

Royal Sundaram Car Insurance Claim

Purchase of a car insurance policy entitles you to file claims for any damage/loss/accident of your insured vehicle with the insurer. The compensation provided in the settlement of claim depends on your vehicle’s IDV, extent of damage/loss and the type of policy taken by you. Filing of a car insurance claim settlement process with Royal Sundaram is a quick and easy process. The company offers both cashless claim settlements with more than 3,300 authorised garages/bodyshops as well as reimbursement claim settlements with other garages.

List of Documents Required During Claim Settlement

The documents that you need to submit during the claim settlement process are as follows:

  • Insurance policy documents
  • A duly filled and signed claim form.
  • A copy of PAN Card (if the claim amount is more than Rs. 1 lakh).
  • Self-attested photocopy of the RC of the vehicle.
  • Self-attested photocopy of the driving license of the driver at the time of accident.
  • FIR in case of serious injury/death of a third party and theft of the car.
  • Duly signed Satisfaction Voucher (SV) or Discharge Voucher (DV)

How To Make Royal Sundaram Cashless Car Insurance Claim?

Follow the below-mentioned steps to make a cashless claim settlement with Royal Sundaram after an accident/loss/damage of your vehicle.

Step 1: Inform the Insurer

Inform Royal Sundaram immediately after an accident/loss/damage of your insured vehicle. You can inform Royal Sundaram by calling on their claim intimation hotline 1800 568 9999 or by sending an SMS <MOTORCLAIM> to 567675.

You can alternatively use Royal Sundaram’s Mobile App m-Chatra for the intimation.

Step 2: Lodge FIR (if applicable)

Lodge an FIR at the nearest police station in the case of serious injury or death of a third party. Keep a copy of the FIR as you need to submit it at the time of claim settlement.

Step 3: Tow Your Car

Ask the insurer to arrange towing service to take your car to the nearest cashless workshop or arrange a towing service yourself. The towing service provided by the insurer is chargeable as per the distance towed.

Step 4: Survey And Documentation

The company will send a surveyor to inspect the damage and to complete the documentation process for settling the claim of your insured vehicle.

Step 5: Repair And Claim Settlement

Your car will be repaired at the workshop and the company will disburse the claim amount directly to the garage after factoring the deductibles and depreciation (if not opted for the zero depreciation add-on cover).

How To Make Royal Sundaram Reimbursement Car Insurance Claim?

If you are unable to locate a cashless workshop nearby, file a reimbursement claim by following the steps mentioned below.

Step 1: Inform Royal Sundaram

Contact the insurer and inform about the accident/loss/damage through the claim intimation hotline 18005689999 or by sending an SMS <MOTORCLAIM> to 567675. Keep policy details, contact details and details regarding the loss with you.

Step 2: Medical Help and FIR

Immediately seek medical attention if any person suffers serious injuries in the accident/damage. Also, lodge an FIR at the local police station in case of theft and serious injuries/death of anybody.

Step 3: Estimate Cost of Repairs

Get an estimated cost of repairs and submit it to the company. The company will also send a surveyor, who will inspect the car for the extent of damages.

Step 4: Repair And Payment

Repair your car at the garage and pay the entire cost of repairs. Submit all the original bills along with necessary documents to the company.

Step 5: Reimbursement

Post completion of all formalities, Royal Sundaram will sanction the final claim amount immediately. If the amount exceeds Rs 1 lakh, you will have to submit a copy of your PAN Card along with a recent passport photo.

Common Car Insurance Claim Rejection Reasons

The company can reject a claim because of the following reasons:

  • Delay in informing the company about the accident.
  • False information submitted during claim settlement.
  • Repair made before a survey of the damaged insured vehicle.
  • Accident due to intoxication of the driver or careless driving.
  • Driving without a driving licence and RC (Registration Certificate).
  • Lapsed insurance policy because of non-renewal.
  • Mismatch of personal details.

Royal Sundaram No Claim Bonus

To secure a car with an insurance policy is good but paying a premium every year for it could become tedious for some. In such a situation, a No Claim Bonus (NCB) can help a lot of policyholders of car insurance. The NCB is a reward given to policyholders by insurance companies for not filing any claim in a policy year. The benefit is offered in terms of a discount which is applied to reduce the standalone own-damage car insurance premium or own-damage component of a comprehensive car insurance for the next year. The NCB begins at 20% and can go up to a maximum of 50% with consecutive claim-free years.

The benefit of NCB belongs to the policyholder and not the insured car, hence, policyholders can transfer the NCB while changing their cars or switching to another car insurance company. However, it is recommended to avoid raising any claim in a policy year or to bear minor damage expenses to secure the NCB benefit, but it is not always possible for everyone. However, in order to save your accumulated NCB despite making a claim, you can opt for a NCB protector add-on cover, which helps you save your bonus even if you make a car insurance claim.

Explore Royal Sundaram Car Insurance

Must Read Articles before buying Royal Sundaram Car Insurance

Royal Sundaram Car Insurance User Reviews

4.9
Rating based on
468 User reviews
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What users are saying
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  • Own Damage
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  • Cashless Garages
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  • Hassle-free Service

    While Buying Royal Sundaram’s car insurance, I had an amazing experience. Insurancedekho provides exceptional customer service, competitive pricing and comprehensive coverage options

    Read More

    J
    By Jatin Nagpal
    On: March 2, 2024
  • Tailored to Your Unique Needs

    What sets InsuranceDekho apart is its ability to tailor comprehensive coverage to individual needs. They work with me to determine the right level of protection for my Hyundai car, providing a personalized service. I am very happy with the Royal Sundaram Car Insurance Policy.

    Read More

    B
    By Badal Shaikh
    On: November 3, 2023
  • Timely Repairs, Timely Return

    Repairs at cashless garages through InsuranceDekho are done promptly, ensuring that I get my Kia car back as quickly as possible. I am so happy to have secured the Royal Sundaram Car Insurance Policy on time.

    Read More

    R
    By Ruhan Patel
    On: October 17, 2023
  • User-Friendly Website for Thir...

    The InsuranceDekho website and mobile app are both intuitive and easy to use. Whether you're comparing policies, getting quotes, or renewing your insurance, their online platform simplifies the process. I was easily able to secure the Royal Sundaram Car Insurance Policy for my Honda car.

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    By Farida Banu
    On: September 29, 2023
  • Effortless Policy Purchase

    Purchasing InsuranceDekho's own damage coverage with the Royal Sundaram Car Insurance Policy for my MG car is was effortless. Their user-friendly online platform made it quick and convenient.

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    A
    By Anita Gurung
    On: September 14, 2023
  • Quick and Convenient Quote Gen...

    Getting insurance quotes with InsuranceDekho's premium calculator was quick and convenient. It was a time-saver for me while looking for the Royal Sundaram Car Insurance Policy for my Renault car.

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    P
    By Prashant Rout
    On: September 12, 2023
  • Best Decision I Made for My Ca...

    Opting for InsuranceDekho's zero depreciation policy was the best decision I made for my Mitsubishi car. The Royal Sundaram Car Insurance Policy saved me from unexpected expenses during a recent accident.

    Read More

    H
    By Harman Chahal
    On: September 8, 2023
  • Trustworthy Repairs

    While buying the Royal Sundaram Car Insurance Policy for my BMW, one of the important factors I was looking into was complete trust. Trust is essential when it comes to car repairs. InsuranceDekho's Cashless Garages have consistently provided trustworthy repairs and ensured the safety of my vehicle.

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    By Pankaj Kapoor
    On: September 6, 2023
  • All-Round Protection

    I recently bought the Royal Sundaram Car Insurance Policy with Comprehensive Coverage for my Maruti car, I feel like I have all-round protection for my car. Whether it's a minor fender bender or a major accident, InsuranceDekho has me covered.

    Read More

    P
    By Purnima Bakshi
    On: September 4, 2023
  • Smooth and Transparent Claim P...

    I appreciate how InsuranceDekho's claim process for the Royal Sundaram Car Insurance Policy for my Maruti car is smooth and transparent. From filing the claim to receiving the settlement, everything is clear and well-organized.

    Read More

    M
    By Mihika Pathak
    On: August 29, 2023
  • Could easily purchase an own d...

    On the InsuarnceDekho portal, I could easily buy the Royal Sundaram Car Insurance Policy for my Renault car. I was able to do the same in 3 easy steps. Because of this policy, now my car is financially protected in case of any unforeseen incidents.

    Read More

    S
    By Sirisha Anand
    On: August 25, 2023
  • Informational Insights into In...

    Using InsuranceDekho's premium calculator was not only about getting quotes but also an educational experience. I learned more about insurance coverage and its importance. And with the help of the information, I could buy the Royal Sundaram Car Insurance Policy for my Skoda.

    Read More

    N
    By Naveen Dutt
    On: August 23, 2023
  • Simple and Hassle-Free Policy ...

    The Royal Sundaram Car Insurance Policy purchase process for third-party car insurance on InsuranceDekho's platform was simple and hassle-free. It took just a few minutes to secure my Skoda car.

    Read More

    By Dimpy Sandhu
    On: August 10, 2023
  • A Must-Have Tool for Car Owner...

    If you own a car, InsuranceDekho's premium calculator is a must-have tool. It simplifies the process of comparing and selecting the right insurance policy, giving you peace of mind knowing you made the best choice. Because of this tool, I was able to secure the Royal Sundaram Car Insurance Policy for my BMW.

    Read More

    A
    By Arti Luthra
    On: August 8, 2023
  • Smooth and Transparent Claims ...

    The claims documentation process for the Royal Sundaram Car Insurance Policy with InsuranceDekho was seamless and transparent. They guided me through each step, and there were no hidden surprises for my Chevrolet car. A reliable insurer for sure.

    Read More

    D
    By Daman Bhasin
    On: July 31, 2023
  • Incredible Savings on Repairs ...

    I had to get my car's bumper repaired, and thanks to InsuranceDekho's zero depreciation cover, I didn't have to pay a single penny from my pocket. The Royal Sundaram Car Insurance Policy that I purchased for my BMW came as an amazing plan for my car. It's an investment that pays off!

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    P
    By Preeti Babbar
    On: July 25, 2023
  • Prompt process

    InsuranceDekho's own damage policy has proven to be trustworthy and reliable. The prompt and efficient claim settlement under the Royal Sundaram Car Insurance Policy for my Land Rover, along with their customer-centric approach, earned my trust as a satisfied customer.

    Read More

    N
    By Nishtha Batra
    On: July 21, 2023
  • No Claim Bonus Benefits

    InsuranceDekho provided attractive No Claim Bonus benefits during the renewal of my Royal Sundaram Car Insurance Policy for my Tata car. It rewarded me for safe driving and loyalty.

    Read More

    R
    By Rajveer Singh
    On: July 19, 2023
  • Skilled Mechanics

    The cashless garages recommended by InsuranceDekho have skilled mechanics who are well-versed in handling various car models. I was confident that my Toyota car was in good hands. Happy to have landed with the Royal Sundaram Car Insurance Policy and got additional benefits.

    Read More

    P
    By Pratik Bist
    On: July 17, 2023
  • Smooth and Efficient Claim Pro...

    I recently had to file a car insurance claim for my Kia car with InsuranceDekho, and I must say that the process was incredibly smooth and efficient for the Royal Sundaram Car Insurance Policy. From the initial claim submission to the final settlement, everything was handled with professionalism and promptness. Highly recommended!

    Read More

    S
    By Sanya Chhadda
    On: July 13, 2023
  • Peace of Mind during Accidents...

    Having InsuranceDekho's zero depreciation car insurance gave me peace of mind during accidents. I knew that my Royal Sundaram Car Insurance Policy would cover the full cost of repairs for my Honda car without deducting any depreciation, minimizing the financial burden.

    Read More

    M
    By Madhu Iyengar
    On: July 11, 2023
  • Competitive Premium Rates

    I found InsuranceDekho's premium rates for car insurance renewal to be competitive. I renewed the Royal Sundaram Car Insurance Policy for my Chevrolet car and they offered affordable premiums without compromising on coverage. It was a great value for money.

    Read More

    M
    By Maya Mahapatra
    On: July 7, 2023
  • Transparent Assumptions and Fa...

    The premium calculator facility available at InsuranceDekho disclosed the assumptions and factors used in the premium calculation. It explained the underlying data and considerations taken into account, which further helped me to buy the Royal Sundaram Car Insurance Policy for my Renault car. Transparency gives you trust in the process.

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    By Medhavi rajpal
    On: July 5, 2023
  • Quick Settlement

    When I filed a claim with my third-party Royal Sundaram Car Insurance Policy for my Ford, InsuranceDekho settled the claim very quickly. I was very happy with how quickly the process was handled.

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    By Fiona D’Souza
    On: June 29, 2023
  • Peace of Mind

    I was very impressed with the customer service at the cashless garage. The executives were always friendly and helpful, and they went out of their way to ensure I was satisfied with the repairs. I felt like I could relax and let them take care of everything. So thankful to InsuranceDekho for helping me select the Royal Sundaram Car Insurance Policy for my BMW.

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    P
    By Priyanka Vats
    On: June 27, 2023
  • Unmatched Support in Times of ...

    When my Chevrolet car suffered significant damage due to a hailstorm, my Royal Sundaram Car Insurance Policy with the own damage benefit came to the rescue. InsuranceDekho promptly arranged for repairs and covered all expenses, ensuring I received unmatched support during this challenging time. I couldn't be more grateful for the peace of mind this policy brings.

    Read More

    V
    By Veer Rawal
    On: June 23, 2023
  • Timely Claims Settlement

    One of the standout aspects of the car insurance claim with the Royal Sundaram Car Insurance Policy was the timely settlement. Once all the required documents were submitted, InsuranceDekho promptly assessed the claim and processed the settlement. I received the reimbursement for the damages within a reasonable timeframe for my Chevrolet.

    Read More

    P
    By Poonam Rauthan
    On: June 21, 2023
  • Comparison of Premiums from Mu...

    Some premium calculators at InsuranceDekho offer the option to compare premium quotes from multiple insurers. It allows me to evaluate different insurance providers and select the one that offers the best coverage at a competitive premium. I ended up buying the Royal Sundaram Car Insurance Policy for my Chevrolet car from them.

    Read More

    S
    By Simar Singh
    On: June 19, 2023
  • Protection Against Unpredictab...

    With comprehensive coverage, I'm protected against unpredictable natural disasters such as floods, storms, or earthquakes. It's reassuring to know that my Chevrolet car is covered in such unforeseen circumstances with the Royal Sundaram Car Insurance Policy. After much looking around, I bought this policy from InsuranceDekho.

    Read More

    T
    By Tanya Kumar
    On: June 15, 2023
  • Transparent Terms and Conditio...

    The terms and conditions of the third-party coverage were transparent and clearly outlined in the Royal Sundaram Car Insurance Policy. I knew exactly what was covered and the limits of the coverage, ensuring clarity and understanding while securing my Volvo from InsuranceDekho.

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    P
    By Pranshant Gangwar
    On: June 13, 2023
Royal Sundaram Reviews

Royal Sundaram Car Insurance Claim FAQs

  • How can I locate the nearest network garage for cashless claim settlement?

    Royal Sundaram has a network of more than 3,300 cashless garages. You can locate the nearest garage on Royal Sundaram’s website by providing your State, City and Car manufacturer’s name.

  • How much do I need to pay during claim settlement?

    In case of cashless claim settlement, you need to pay only your part of liability such as voluntary and involuntary deductible, depreciation cost (if you haven’t availed zero depreciation add-on cover) and the difference between the repair cost and the Insured Sum. On the other hand, in case of reimbursement claim settlement, you need to pay the entire cost of repairs at the garage but the company will reimburse you with its part of liabilities as soon as possible.

  • What if someone else was driving my car when the accident occurred?

    If someone else such as a hired driver or anyone has committed an accident while driving your car, you will still be entitled to file a claim. This is because a car insurance policy insures a car and not the driver.

  • How can I get higher claim amounts?

    You can entitle yourself for higher claim amounts by purchase add-on covers such as Zero Depreciation, Engine Protection, etc. These add-ons extend the coverage of your comprehensive policy thereby reducing your liability.

  • How can I get in touch with the Emergency Assistant of Royal Sundaram General Insurance?

    You can get in touch with the Emergency Assistant of Royal Sundaram by dialling 1860-425-0000.

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